Employee Benefits

Benefits Summaries

The 2019–20 employee benefit summaries reflect changes to Westminster employee benefit plans effective July 1, 2020.

Benefits Details

You can change your benefit choices each year during Open Enrollment in April/May or if you have a qualifying life event. Some of these events include:

  • The birth or adoption of a child
  • The death of a dependent
  • Marriage, divorce, annulment, or legal separation
  • The loss or gain of other coverage
  • A significant change in premiums or coverage of another plan

You can make changes to your benefits online through Employer Navigator. If you know you have an upcoming life event or questions about eligibility, please email Human Resources (humanresources@westminstercollege.edu) immediately. It is important to address these changes as soon as possible as benefit choices must be changed within a  30-day window after the qualifying life event. Supporting documentation may be required.

Westminster College offers two dental plans: 

  1. DPPO 
    • Twice-a-year cleanings, exams, and x-rays covered at 100% in-network.
    • A maximum annual benefit of $1,250.
    • Orthodontic services with a lifetime maximum of $1,000.
  2. DHMO 
    • Twice-a-year cleanings, exams, and certain x-rays are covered at 100%.
    • Pay a fixed co-pay for each procedure—no annual maximums and no deductibles.

Complete information about dental plans:

A Flexible Spending Account (FSA) is an account you contribute to that you can then use to pay for certain out-of-pocket care costs. Westminster College offers two types of FSAs to individuals enrolled in the OAPIN 500 and OAP 250 medical plans. You can choose to contribute to an FSA during your enrollment period and every year during Open Enrollment in July.

  1. Health Flexible Spending Account Health FSA funds are used to pay for certain medical, dental, or vision expenses, including co-payments and deductibles (see a list of generally permitted medical and dental expenses). These accounts are designed to reimburse eligible expenses with money set aside from your earnings that is not subject to federal income or social security taxes. The maximum annual election is $2,650 for the 2018–19 plan year and you are able to rollover between $40 and $500 of unused funds from the current plan year into the subsequent plan year. Any amount under $40 or over $500 will be forfeited.
  2. Dependent Care Flexible Spending Account Dependent Care FSA funds are used to reimburse yourself for dependent care expenses that allow you and your spouse to work, look for work, or attend classes. The maximum you can contribute to a Dependent Care FSA is $5,000 per year for a married couple filing taxes jointly or a single head of household or $2,500 each for a married couple filing separate tax returns. Your contributions will be deducted from your paycheck on a pre-tax basis throughout the year and credited to your account monthly. Unused funds do not rollover to the subsequent plan year.

You must re-enroll in the FSA each year during Open Enrollment to continue participation.

Filing an FSA Claim

You can be reimbursed for expenses with service dates from July 1 through June 30 while actively making contributions to the plan. Plan-year claims can be submitted up until September 30 for the previous plan year ending on June 30.

  1. Log in and submit claims directly on the Cigna website—use the form for health FSA reimbursement and the form for dependent care FSA reimbursement.
  2. Attach the appropriate documentation, including an explanation of benefits (EOB), receipt, invoice, etc.

Health FSA participants may be reimbursed up to the full annual election amount, regardless of the amount contributed to the account (dependent FSA participants may only be reimbursed up to the amount in the account).

More information about FSA benefits:

Cigna offers a range of support services including:

  • Legal consultation
  • Parenting advice
  • Senior care advice
  • Help finding child care
  • Help finding pet care
  • Financial services and referrals

More information can be found on Cigna's website.

Westminster College provides Basic Life and Accidental Death and Dismemberment Insurance equal to two and a half times your annual salary (to a maximum of $500,000) at no cost to faculty with at least a 9-month contract and to staff scheduled to work at least 30 hours a week.

Even though this benefit is automatic, you need to designate a beneficiary in the event of your death. Complete the beneficiary designation section when you enroll in benefits on the Cigna Guided Solutions Marketplace website. For more information, see the Basic Life and Supplemental Insurance Summary.

Supplemental Insurance

You may purchase additional term life insurance for you and your dependents. If purchased, these premiums are paid by you through payroll deduction and are based on your age and whether or not you smoke.

  • Employee Supplemental Life Insurance* You may purchase up to 7 times your annual salary or $700,000, whichever is less in supplemental life insurance coverage.
  • Spouse Supplemental Life Insurance* You may purchase up to $250,000 in supplemental life insurance coverage for your spouse. Spouse supplemental coverage may not to exceed 50% of an employee's approved supplemental coverage.
  • Child Supplemental Life and AD&D Insurance You may purchase up to $10,000 in Child Supplemental Life and AD&D coverage that will apply to all eligible dependents.
  • Employee Supplemental AD&D Insurance* You may purchase up to $700,000 in supplemental AD&D coverage.

Some coverage amounts will be subject to medical questions.

More information about life insurance:

Westminster College's Long Term Disability plan will pay up to 60% of your pre-disability salary (to a maximum of $7,500/month) after 6 months of eligible disability for faculty and after 3 months of eligible disability for staff.

This benefit may continue (if your eligible disability continues) until you recover or reach retirement age, whichever comes first.

The premiums for this benefit are paid in full by Westminster College. You are automatically enrolled if you are an eligible employee who has satisfied the new hire waiting period.

Westminster College offers two medical plans to faculty with at least a 9-month contract and to staff scheduled to work 30 hours or more a week. Offering these two plans allows you to choose the level of coverage that works best for you. Both medical plans cover 100% of  preventive services and include one standard vision exam per year.

  1. Open Access Plus Health Savings Account (HSA) Plan services must be obtained in the Cigna network, except in the event of an emergency. This is a high deductible health plan (HDHP) with lower premiums and lower out of pocket maximums. A Health Savings Account (HSA) works like a bank account that’s used for qualified medical expenses.
  2. Open Access Plus services must be obtained in the Cigna network except in the event of an emergency. This plan has a lower deductible but higher monthly premiums.

Complete information about medical plans:

Required Notices

As your employer, Westminster College is required to post the following notices about the benefits plan.

The purpose of Westminster’s retirement plan is to provide faculty and staff with the opportunity to accumulate a source of retirement income in addition to income from social security and personal savings. The money you contribute to the retirement plan belongs to you and is immediately vested. Westminster College partners with Transamerica to provide the retirement benefit.

Eligible employees may participate in the college’s retirement plan with no waiting period; the college will make a 3% contribution for all eligible employees each pay period.

The group plans allow withdrawals at age 59 ½ for all contribution types. This means employees who are at least 59 ½ years old can withdraw funds while still employed with no penalty, as long as the funds transfer to another qualified retirement plan like an IRA. This may be a good option for you if you are very close to retirement. This provision is available ongoing through Transamerica. Contact Zac Huish at zhuish@mrpretire.com with questions or to get additional information.

Monthly Retirement One-on-One Meetings

A retirement plan advisor will be on campus and available for one-on-one meetings to assist Westminster participants with:

  • Updating your beneficiary information
  • Investment options
  • Electing deferrals
  • Transferring assets

Upcoming On-Campus Visits

Dependents of faculty with at least a 9-month contract and staff that are scheduled to work at least 30 hours a week and employed for at least a year, are eligible for the tuition exchange benefit. Tuition exchange allows eligible dependents to attend a variety of colleges and universities nationwide for up to eight academic semesters at a tuition rate set by the institution the student would attend. There is an annual cap set by Tuition Exchange and each college or university may award tuition exchange up to the cap. In addition to Tuition Exchange, a similar exchange is offered through the Council of Independent Colleges (CIC). The term 'tuition exchange' includes colleges that are part of the Tuition Exchange organization and CIC.

To take advantage of the tuition exchange benefit:

  1. Review the Tuition Exchange Policy.
  2. Follow the regular application process for the exchange college or university.
  3. Complete the application for tuition exchange. For Tuition Exchange schools, complete and submit the online application. For CIC schools, complete the application and submit to the Westminster College Financial Aid Office.

This process is extremely competitive and selective in nature.

If you have questions about the Tuition Exchange program, contact the Financial Aid Office at financialaidoffice@westminstercollege.edu or 801.832.2500.

Full-time employees are eligible for the tuition remission benefit, which allows you and your eligible dependents to enroll in classes for little to no cost.

To take advantage of the Tuition Remission Benefit:

  1. Review the Tuition Remission Benefit.
  2. Follow the regular application process for the college and then fill out a Tuition Remission Form.
  3. Once you or your eligible dependent is accepted to your desired program of study and the Tuition Remission Form is completed with a class schedule and necessary signatures, please submit it to the Financial Aid office.
  4. A completed Statement of Dependent Status for Tuition Remission Benefit form is also required when submitting a Tuition Remission Form.

If you would like to be able to see your dependent's grades, please fill out this Information Release Form and submit it to the Registrar's Office

Policy and Forms

If you have questions about the Tuition Remission program, contact the Financial Aid Office at financialaidoffice@westminstercollege.edu or 801.832.2500.

The Cigna vision insurance plan includes:

  • A standard eye exam with a $10 co-pay once every 12 months
  • Contact lenses allowance up to $110 once every 12 months
  • Lenses covered at 100% once every 12 months
  • Frames allowance up to $100 every 24 months

Complete information about the vision plan:


If you have any questions about benefits, reach out to the Benefits Manager, Brittany Wallace (bwallace@westminstercollege.edu).